POLICY PERIOD: 1 year beginning February 1, 2011 , ending Jan uary 31, 2012. WHO IS INSURED? Paid members, and volunteers (even if the volunteer is not a member) in covered activities. WHAT ARE COVERED ACTIVITIES? - Recreational bicycle rides that are organized, conducted, and supervised by the club and involve club members and first-time invited guests. - Club meetings, conventional fundraisers, and time trials are also considered covered activities. - Individual time trials are covered, provided that no racing between individuals is involved. NOT COVERED: - Special events are NOT covered. In order to cover it, optional extra coverage for special events must be purchased. A special event is a ride that charges an entry fee, is organized by the club, and open to the public. - Racing is NOT covered. Racing means an activity in which individuals are engaged in direct, speed competition with other riders. The Adobo Velo Wednesday Carson Crits are not covered by insurance. (IIndividual Time trials are COVERED, provided it's free of charge and open to members only.) - Repeat Guest riders are NOT covered (first-time guests are covered). - Unscheduled / Impromptu rides (i.e., insufficient notice was given to notify all members of the ride) are NOT covered - Solo training is NOT covered - Fee-based Club Events (i.e., Adobo-organized ride with entrance fee) are NOT covered. INSURANCE COVERAGES GENERAL LIABILITY (GL) Insurer: Axis Insurance Company GL Coverages: If someone sues an our club, or an individual member, officers, board directors, or volunteers, for bodily injury or property damage resulting from a club event, insurance will pay for damages up to the limits indicated below: Commercial general liability................$1,000,000 per occurrence General aggregate**.......................... $3,000,000 Products and completed operations.....$3,000,000 aggregate per club Personal and advertising injury............$1,000,000 Participant legal liability.....................INCLUDED Damage to property rented to you.......$1,000,000 Sports equipment liability................... $5,000 • Per claim deductible .............................$500 Legal defense................................... No Limit GL EXCLUSIONS: • Employment-related practices. • Lead, asbestos and fireworks. • Abuse and molestation. • Liability arising out of bicycle refurbishment (unless optional coverage is purchased) See Club Enrollment Form for further details. PARTICIPANT ACCIDENT (PA) Insurer: Mutual of Omaha Insurance Company If a member or volunteer gets hurt in an accident during a club event, insurance will reimburse medical bills in excess of the $500 deductible and excess of any other valid and collectible insurance. PA Coverages: Accident Medical Coverage:................ $10,000 per person per accident Deductible..........................................$500 per claim Insurance covers excess of deductible and excess of any other valid and collectible insurance. Accidental Death & Dismemberment:.... $10,000 per person per accident. WHAT IS A COVERED ACTIVITY? INCIDENT REPORTS If there is an incident during a club ride (you got hurt, or you caused someone to get hurt) , first get medical attention. Then, file an incident report immediately to adobovelo@gmail.com, Attn: Mandy Genato. We'll provide an "incident form" to fill out, to gather information like date/time/place of incident, who got hurt, witnesses, incident description, extent of injury, etc. This will help ensure successful reimbursement by the insurer of your medical/legal bills. |
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